Bendigo bank started 150 years ago in Bendigo in Victoria and Adelaide in South Australia.

Nationwide service

The bank in its current format was created in 2007 by the merger of two banks which were formerly building societies. It now has over 400 branches, 2,000 ATMs and more than 6,500 employees, servicing around 1.5 million customers in all Australian states and territories.

Latest banking technology

Online banking, phone banking and a mobile banking app are available.

No need to transfer your banking

You can have a Bendigo Bank credit card even if you do your normal banking with another bank.

Credit card types

Bendigo Bank’s credit card range includes:

a low interest card

a low cost, low interest card for 18-25 year olds

a platinum low interest card with complimentary benefits

a rewards card linked to the Bendigo Bank Rewards program

a Qantas Frequent Flyer points card

a card that allows users to benefit the RSPCA

Special benefits of Bendigo Bank credit cards

Bendigo Bank credit cards have two special features which set them apart from their competitors:

A fairer way of calculating interest on unpaid purchases balances

Rewards points earned on balance transfers

Personalise your card

For a $10 fee (or no fee if you choose the RSPCA card) you can personalise your card with an image of your choice.

Q&As about Bendigo Bank Credit Cards from customers

Q: What is Bendigo Bank?

Bendigo and Adelaide Bank (its full name) was created in 2007 by the merger of two banks which were formerly building societies centred in the two cities named. The bank now has over 400 branches, 2,000 ATMs, more than 6,500 employees and around 1.5 million customers.

Q: How widespread is Bendigo Bank’s branch network?

Bendigo Bank has over 400 branches covering all states and territories, plus an extensive network of agencies.

Q: What’s different about the way Bendigo Bank calculates credit card interest?

Bendigo Bank’s credit card interest charging method is more lenient than that of most banks, in two ways:

If the account balance is not paid off in full, interest is charged from the statement date (the end of the billing cycle) not from each purchase transaction date (which could be up to 30 days earlier).

Interest is charged on the remaining balance only, not on every purchase transaction occurring during the month. That is, part payments are taken into account and no interest is charged on that part of the balance cleared by a partial payment.

Q: Do I need to do my banking with Bendigo Bank before I can have one of their credit cards?

No. It doesn’t matter who you do your normal banking with. You can have a Bendigo Bank credit card without switching your other bank accounts to them.

Q: Can I manage my card through online banking?

Yes. You just need to register for e-banking in order to be able to check your statements and manage your card from your desktop or mobile device.

Q: Can I manage my card by phone?

Yes. Register for phone banking for the ability to:

Check your last 10 transactions over the phone

Order a statement by phone

Order a fax detailing your last 40 transactions

Speak to Customer Service

Q: Can I manage my card with a mobile app?

Yes. Bendigo Bank’s Protect+Pay app has the following features:

Temporally block and then unblock your card if you misplace it and later find it

Yes. You will, however, pay interest on the transferred balance (at your card’s prevailing interest rate) until it is repaid, unless there is a promotional interest rate being offered on balance transfers. There is one upside though: Bendigo Bank will let you earn rewards points on the transferred amount if you are transferring to a Bendigo Bank Rewards credit card.

Q: Can I personalise my Bendigo Bank card?

Yes. The Bendigo Bank RSPCA Rescue Mastercard can be personalised with an image of your choice, free of charge. All other Bendigo Bank credit cards can be personalised for a $10 fee.

Q: What are the eligibility requirements for a Bendigo Bank credit card?

Generally you just need to be over 18 years old and a resident or citizen of Australia. None of the cards has any specified minimum income requirement. In order to apply for the Bendigo Bank Low Rate First Mastercard you need to be not more than 25 years old.